Finward Bancorp

NASDAQ: FNWD · Real-Time Price · USD
29.69
0.50 (1.71%)
At close: Jun 02, 2025, 1:54 PM

Finward Bancorp Statistics

Share Statistics

Finward Bancorp has 4.33M shares outstanding. The number of shares has increased by 0.08% in one year.

Shares Outstanding 4.33M
Shares Change (YoY) 0.08%
Shares Change (QoQ) 0%
Owned by Institutions (%) 36.22%
Shares Floating n/a
Failed to Deliver (FTD) Shares 23
FTD / Avg. Volume 0.33%

Short Selling Information

The latest short interest is 10.37K, so 0.24% of the outstanding shares have been sold short.

Short Interest 10.37K
Short % of Shares Out 0.24%
Short % of Float 0.28%
Short Ratio (days to cover) 1.63

Valuation Ratios

The PE ratio is 9.9 and the forward PE ratio is 17.98. Finward Bancorp's PEG ratio is 0.22.

PE Ratio 9.9
Forward PE 17.98
PS Ratio 1.69
Forward PS 1.7
PB Ratio 0.79
P/FCF Ratio 17.84
PEG Ratio 0.22
Financial Ratio History

Enterprise Valuation

Finward Bancorp has an Enterprise Value (EV) of 102.18M.

EV / Sales 1.44
EV / EBITDA 0
EV / EBIT 10.42
EV / FCF 15.18

Financial Position

The company has a current ratio of 0.33, with a Debt / Equity ratio of 0.

Current Ratio 0.33
Quick Ratio 0.33
Debt / Equity 0
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage 0.33

Financial Efficiency

Return on Equity is 8.01% and Return on Invested Capital is 1.05%.

Return on Equity 8.01%
Return on Assets 0.59%
Return on Invested Capital 1.05%
Revenue Per Employee $242,641.64
Profits Per Employee $41,399.32
Employee Count 293
Asset Turnover 0.03
Inventory Turnover n/a

Taxes

Income Tax 1.32M
Effective Tax Rate 9.85%

Stock Price Statistics

The stock price has increased by 20.02% in the last 52 weeks. The beta is 0.31, so Finward Bancorp's price volatility has been higher than the market average.

Beta 0.31
52-Week Price Change 20.02%
50-Day Moving Average 29.84
200-Day Moving Average 29.31
Relative Strength Index (RSI) 36.5
Average Volume (20 Days) 6,887

Income Statement

In the last 12 months, Finward Bancorp had revenue of 71.09M and earned 12.13M in profits. Earnings per share was 2.84.

Revenue 71.09M
Gross Profit 71.09M
Operating Income 13.46M
Net Income 12.13M
EBITDA n/a
EBIT 13.46M
Earnings Per Share (EPS) 2.84
Full Income Statement

Balance Sheet

The company has 17.88M in cash and 0 in debt, giving a net cash position of 17.88M.

Cash & Cash Equivalents 17.88M
Total Debt n/a
Net Cash n/a
Retained Earnings 139.46M
Total Assets 2.04B
Working Capital 1.85B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 9.8M and capital expenditures 0, giving a free cash flow of 6.73M.

Operating Cash Flow 9.8M
Capital Expenditures n/a
Free Cash Flow 6.73M
FCF Per Share 1.58
Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 18.93% and 17.06%.

Gross Margin 100%
Operating Margin 18.93%
Pretax Margin 18.93%
Profit Margin 17.06%
EBITDA Margin n/a
EBIT Margin 18.93%
FCF Margin 9.47%

Dividends & Yields

FNWD pays an annual dividend of $0.48, which amounts to a dividend yield of 1.55%.

Dividend Per Share $0.48
Dividend Yield 1.55%
Dividend Growth (YoY) 0%
Payout Ratio 61.54%
Earnings Yield 10.1%
FCF Yield 5.61%
Dividend Details

Analyst Forecast

The average price target for FNWD is $34, which is 15.7% higher than the current price. The consensus rating is "Buy".

Price Target $34
Price Target Difference 15.7%
Analyst Consensus Buy
Analyst Count 1
Stock Forecasts

Stock Splits

The last stock split was on Apr 8, 1999. It was a forward split with a ratio of 2:1.

Last Split Date Apr 8, 1999
Split Type forward
Split Ratio 2:1

Scores

Altman Z-Score 1.26
Piotroski F-Score 6